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Proudly serving clients across MD, DC, DE, FL, GA, NC, PA, SC, TN, VA, WV
I know that buying or refinancing a home is one of the biggest financial decisions that my clients will ever make. That's why I work hard to ensure my team has the resources and know-how to ease borrowers through the loan process, with no detail overlooked.
I have an extensive background in all facets of mortgage lending, so I can advise my team members in any situation, from a first-time home purchase to a refinancing. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I also make a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so I can serve as an informed advocate for my team and our clients. I make sure my team will not only get clients a loan, but the most competitive loan for them.
Rating: 5.0 out of 5.0 from google The entire team treated me like family they were very attentive,no question was insignificant. The turn around time for the entire process was mind blowing. I highly recommend this company. Purpose Driven Jul 10
The entire team treated me like family they were very attentive,no question was insignificant. The turn around time for the entire process was mind blowing. I highly recommend this company.
Rating: 5.0 out of 5.0 from Encompass Tim, Loretta and April were great in communicating with my family. Every questions asked via email were answered very promptly. Great experience overall Orimashe ABowie, MD Jul 09
Tim, Loretta and April were great in communicating with my family. Every questions asked via email were answered very promptly. Great experience overall
Rating: 5.0 out of 5.0 from Encompass Your patience and dedication to your clients showed. You helped our buyer every step of the way, making it possible for him to get his home. Kathryn V.Indian Head, MD Jul 06
Your patience and dedication to your clients showed. You helped our buyer every step of the way, making it possible for him to get his home.
Rating: 5.0 out of 5.0 from Encompass Tim, Loretta and April were always available and communicative. They held our hands thru out and made sure we were well taken care of. Iretioluwa FBowie, MD Jul 02
Tim, Loretta and April were always available and communicative. They held our hands thru out and made sure we were well taken care of.
Rating: 5.0 out of 5.0 from Encompass Tim Murphy & his care for the people he is working with. He trys very hard to help people. They are just not a number. SarahWaldorf, MD Jul 02
Tim Murphy & his care for the people he is working with. He trys very hard to help people. They are just not a number.
Rating: 5.0 out of 5.0 from Encompass Tim was professional in his every approach when dealing with us in the home loan market. He made the process much more enjoyable even when ti got tough. Thank you Tim and your team for all that you've accomplished for us. Bless you Luce NeidaClinton, MD Jul 02
Tim was professional in his every approach when dealing with us in the home loan market. He made the process much more enjoyable even when ti got tough. Thank you Tim and your team for all that you've accomplished for us. Bless you
Rating: 4.5 out of 5.0 from Encompass Tim Murphy went above and beyond to get us approved and was very transparent with what we needed to do Joshua LeePrince Frederick, MD Jul 02
Tim Murphy went above and beyond to get us approved and was very transparent with what we needed to do
Rating: 5.0 out of 5.0 from google Tim was great to work with. I recommend seeking him out for his experience and knowledge. Windy B Jul 02
Tim was great to work with. I recommend seeking him out for his experience and knowledge.
Rating: 5.0 out of 5.0 from Encompass The explicit details of what was asked of the agent & clients; and expediant service. KimBowie, MD Jul 01
The explicit details of what was asked of the agent & clients; and expediant service.
Rating: 5.0 out of 5.0 from google Sherri and the entire realty team were extremely patient with my wife and I's night-shift schedule and were so wonderful at explaining and keeping us in the loop! 10 put of 10. Highly reccomend! Josiah Geiger Jun 27
Sherri and the entire realty team were extremely patient with my wife and I's night-shift schedule and were so wonderful at explaining and keeping us in the loop! 10 put of 10. Highly reccomend!
Rating: 5.0 out of 5.0 from Encompass The team was great Kaitlyn Ann-MariePrince Frederick, MD Jun 23
The team was great
Rating: 5.0 out of 5.0 from Encompass Easy to reach & email or talk with. Linda JaneOwings, MD Jun 18
Easy to reach & email or talk with.
Rating: 5.0 out of 5.0 from Encompass As a first time homebuyer, the team made this process as easy as possible. They were always available if we had a question and helped explain things in a way that we could understan! CalebMechanicsville, MD Jun 09
As a first time homebuyer, the team made this process as easy as possible. They were always available if we had a question and helped explain things in a way that we could understan!
Rating: 5.0 out of 5.0 from google As a real estate professional, having a reliable and communicative lender is essential to a smooth transaction—and Tim Murphy consistently delivers on all fronts. I’ve had the pleasure of working with Tim. He brings a high level of professionalism, expertise, and responsiveness that truly sets him apart. Deanna Havenner Jun 09
As a real estate professional, having a reliable and communicative lender is essential to a smooth transaction—and Tim Murphy consistently delivers on all fronts. I’ve had the pleasure of working with Tim. He brings a high level of professionalism, expertise, and responsiveness that truly sets him apart.
Rating: 5.0 out of 5.0 from Encompass The process was so easy thanks to your team And their communication. Tha k you! David MeredithCalifornia, MD Jun 07
The process was so easy thanks to your team And their communication. Tha k you!
Rating: 5.0 out of 5.0 from google Tim Murphy went above and beyond to give us an exceptional experience. He was always available to answer our questions, and when he couldn’t pick up immediately, we received a helpful callback within minutes—every time. Whenever I had doubts, he quickly pointed me in the right direction; as a local, he also offered great recommendations for nea... Jeffry Congine Jun 06
Tim Murphy went above and beyond to give us an exceptional experience. He was always available to answer our questions, and when he couldn’t pick up immediately, we received a helpful callback within minutes—every time. Whenever I had doubts, he quickly pointed me in the right direction; as a local, he also offered great recommendations for nea...
Rating: 5.0 out of 5.0 from facebook So grateful for C & F Mortgage and Tim Murphy!!!! I never dreamed I could own a home on my own and Tim and his team helped make it happen and guided me through every single step!!!!! So appreciative of your service!!!!! Jennifer Ashbaugh Fitzpatrick Jun 04
So grateful for C & F Mortgage and Tim Murphy!!!! I never dreamed I could own a home on my own and Tim and his team helped make it happen and guided me through every single step!!!!! So appreciative of your service!!!!!
Rating: 5.0 out of 5.0 from facebook Wonderful refinance experience! Nicole Kapinos Herrington Jun 04
Wonderful refinance experience!
Rating: 5.0 out of 5.0 from google Best experience I have ever had with a mortgage company. Kelvin G Jun 03
Best experience I have ever had with a mortgage company.